Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$276,100Cash toward the purchase price.
Closing costs + prepaids$12,918Not just lender fees.
Before credits & paid funds$289,018The complete starting cash picture.
Estimated remaining funds due at closing
$289,018No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$276,100.23
Your down payment$276,100.23
Closing costs + prepaids$12,918.18
Total buyer cash needed$289,018.41
Remaining funds due$289,018.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$694.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,037.50
Initial HOA (3 months)$1,425.00
Prepaid interest, first (28 days)$393.18
Fees + prepaids$12,918.18
Your down payment is the seller’s equity. You take over the $138,900 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $289,018.41 is due at closing. Uses and sources reconcile at $427,918.18 each. Not a Closing Disclosure.